Usage-based insurance and its acceptance : an empirical approach

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<title>Usage-based insurance and its acceptance</title>
<subTitle>: an empirical approach</subTitle>
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<namePart>Sliwinski, Adam</namePart>
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<namePart>Kurylowicz, Lukasz</namePart>
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<abstract displayLabel="Summary">This study aims to explore the motor insurance market's attitude towards usage-based insurance (UBI), and thus its readiness for a launch in the near future. Data on client perception was collected using a structured questionnaire. On the basis of this, an initial selection of factors, other than income, that could influence the declared attitude of drivers was demonstrated showing that it is primarily dependent on certain demographic characteristics like their age, sex, or place of residence. A strong relationship was also demonstrated with respect to the intensity of the vehicle's use, to the amount of the insurance premium they have paid, and to the self-assessment of the respondents' driving skills. Clients are likely to accept the concept of UBI once implemented, but that they are not ready yet to give up the traditionally used methods of premium calculation. Their attachment to discounts granted can be very strong in particular to the no-claims bonus.</abstract>
<note type="statement of responsibility">Adam Sliwinski, Lukasz Kurylowicz</note>
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<topic>Seguro de automóviles</topic>
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<topic>Pago por uso</topic>
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<topic>Análisis empírico</topic>
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<topic>Percepción social</topic>
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<topic>Análisis demográfico</topic>
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<topic>Cálculo de la prima</topic>
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<topic>Conducción automovilística</topic>
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<title>Risk management & insurance review</title>
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<publisher>Malden, MA : The American Risk and Insurance Association by Blackwell Publishing, 1999-</publisher>
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<identifier type="issn">1098-1616</identifier>
<identifier type="local">MAP20077001748</identifier>
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<text>15/03/2021 Tomo 24 Número 1 - 2021 , p. 71-91</text>
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